Now you may totally laugh, but i would never use a ATM. I do most stuff with card in a shop or via online. But in the case that you need money you can go in a supermarket and simply withdraw money there at the checkout, with 0 extra cost.

So basically, your local supermarket (least in germany) is a far safer and easier to use ATM than your bank ATM. And free of skimmers.

Edit: That is, usually. Don't do that on small shops and even in super markets... never trust anyone ;p